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Projects Roth IRA balance at retirement with compound growth. Shows total contributions, tax-free growth, and inflation-adjusted value. Roth withdrawals are tax-free in retirement.
Planning your retirement with tax-free withdrawals? A Roth IRA Calculator is your go-to tool for estimating contributions, growth, tax savings, and balance at retirement—based on income, age, and investment returns. In 2025, with the contribution limit holding at $7,000 ($8,000 if 50+) and income phase-outs at $150,000-$165,000 for singles ($236,000-$246,000 married), these calculators help you optimize for a Roth’s post-tax benefits: contributions anytime, earnings tax-free after 5 years and age 59½. Whether you’re using a Roth IRA Calculator Fidelity, Vanguard, Dave Ramsey, or NerdWallet, tools on Gcalculate.com deliver instant projections, including backdoor Roth for high earners and custodial Roth IRA for kids.
A Roth IRA Calculator projects your account balance using compound interest, adjusted for contributions, returns (e.g., 7% average stock market), and tax-free growth. It factors eligibility (income limits) and compares to traditional IRAs.
Core Formula: Future Value = P × (1 + r)^t + PMT × [((1 + r)^t – 1) / r]
Steps:
Pro tip: For Fidelity or Vanguard users, sync account data; Ramsey’s emphasizes debt-free before contributing.
The IRS keeps the limit steady at $7,000 ($8,000 catch-up for 50+), unchanged from 2024, with phase-outs for high earners. No age limit for contributions (unlike traditional IRAs).
| Filing Status | Full Contribution MAGI | Phase-Out Range | No Contribution |
|---|---|---|---|
| Single/Head of Household | <$150,000 | $150,000-$165,000 | >$165,000 |
| Married Filing Jointly | <$236,000 | $236,000-$246,000 | >$246,000 |
| Married Filing Separately | <$0 | $0-$10,000 | >$10,000 |
Backdoor Roth: High earners convert traditional IRA contributions ($7,000) to Roth—taxed at contribution, growth tax-free. Custodial Roth IRA: For kids, limited to earned income (e.g., $7,000 max if $7,000+ earned).
Assuming 7% annual return and max contributions ($7,000/year):
| Starting Age | Years | Total Contributions | Ending Balance | Annual Growth |
|---|---|---|---|---|
| 25 | 10 | $70,000 | $95,200 | $25,200 |
| 35 | 10 | $70,000 | $95,200 | $25,200 |
| 45 | 10 | $70,000 | $95,200 | $25,200 |
| 55 | 10 | $70,000 | $95,200 | $25,200 |
At 10 years, $70,000 contributions grow to ~$95,200 (36% gain). Over 30 years from age 35: $210,000 contributions = $800,000+.
Fidelity and Vanguard calculators show similar; Ramsey emphasizes 15% of income to Roth/401(k).
The 4% rule suggests withdrawing 4% of your Roth balance annually, adjusted for inflation, for 30 years with 95% success. Roth’s tax-free status makes it ideal—e.g., $1M balance = $40,000/year safe withdrawal.
| Balance at 65 | 4% Withdrawal | Adjusted for 3% Inflation (Year 2) |
|---|---|---|
| $500,000 | $20,000 | $20,600 |
| $1,000,000 | $40,000 | $41,200 |
| $1,500,000 | $60,000 | $61,800 |
Fidelity’s planner incorporates this; NerdWallet notes Roth’s edge over traditional for longevity.
For a 30-year-old, $7,000 annual contribution, 7% return:
| Retirement Age | Years | Total Contributions | Projected Balance | 4% Annual Withdrawal |
|---|---|---|---|---|
| 60 | 30 | $210,000 | $1,000,000+ | $40,000 |
| 65 | 35 | $245,000 | $1,500,000+ | $60,000 |
| 70 | 40 | $280,000 | $2,200,000+ | $88,000 |
At $7000 contribution: Year 1 $7,000 grows to $7,490; 10 years $95,200.
For $100,000 contribution: Not allowed—max $7,000/year; excess incurs 6% penalty.
Custodial Roth: Kid with $7,000 earned income = full $7,000 contribution.
Use a Roth IRA Calculator on Gcalculate.com—input $7,000/year, age 30, 7% return for $1M at 65. Fidelity or Vanguard style? Get timelines instantly. Share your age below—what’s your contribution plan?
$7,000/year at 7% return grows to ~$95,200 (total contributions $70,000, growth $25,200)—tax-free withdrawals at 59½.
No—annual limit $7,000 ($8,000 50+); excess incurs 6% penalty. Use backdoor Roth for high earners.
Contributions grow tax-free; at 7% over 30 years, $210,000 invested = $1M+; withdrawals tax/penalty-free after 59½ + 5 years.
Withdraw 4% of balance annually (e.g., $40,000 from $1M), adjusted for inflation, for 30 years with 95% success—Roth’s tax-free edge shines.
$7,000 ($8,000 if 50+); phase-out at $150k-$165k single ($236k-$246k married).
High earners convert traditional IRA contributions to Roth—taxed at contribution, future growth tax-free; no income limit.
Yes—custodial Roth IRA limited to earned income (e.g., $7,000 max if $7k+ from job); grows tax-free.
Fidelity’s tool projects growth like Gcalculate.com, with 7% return estimates; focuses on their low-fee funds.
Ramsey recommends maxing Roth after debt-free; his calculator emphasizes 15% income to retirement, projecting $1M+ from $7k/year.
Roth for tax-free growth if expecting higher future taxes; traditional for upfront deductions—calculators compare both.
NerdWallet’s tool estimates growth like Gcalculate.com, factoring limits and returns; great for backdoor scenarios.
Roth IRA for minors, limited to earned income ($7,000 max); parent manages until 18–21, tax-free growth for child’s future.